I don't think they were planning for a landfall just then, they were preparing to sit down for dinner. Another blog describes the position of the wreck just outside of Avea Bay on the SW end of Huahine: Puanani Voyage 2016

The closest possible pass thru the reef is another ~9nm to the north. Maybe they just skirted the South end of Huahine too close? Maybe the reef extends a bit further than drawn on the Navionics map?

We were there in 2010 and if I remember right, the Navionics chip did match the real world quite well, for French Polynesia.

"When they asked us what happened and we told them that our chart did not show reef, they asked us if we had been using Navionic charts, and I said yes. He then shook his head and said that at least five boats end up on those reefs a year who were using Navionic charts."

"Our insurance had dropped us in Galapagos even though we had 12000 nautical miles of sailing experience, saying we didn’t have enough experience to make the 3000 nm journey from Galapagos to Marquesas."

Its known that Navionics and most other charts of FrPoly are out by varying degrees. Many of these charts have been built on soundings and positions from the 1800's with rudimentary bathymetric equipment. Only in areas where commercial traffic is there the commercial incentive to have accurate bottom surveys completed. Its prudent of a skipper to know that any chart cannot be fully relied upon and when you get remotely close to a reef its only your eyes and ears that can be relied upon.

We sailed Hauhine only a few months back, during the daytime, and found Navionics ok but there are errors.
Below is our track in one of the Tuamotu's passes where its out by 25-30m.

Keep a wide berth and Never let your guard down when amongst any remote islands.

I am so happy that that family survived. Unfortunately the insurance company got it correct. What a devastating financial loss for this family. They are healthy and alive and that's the important thing. I am sure that the father is thanking his lucky stars that no loss of life occurred. This could have been a deadly disaster. With both engines on I'm sure he didn't even hear the waves breaking. Did u Read the part where she said they were in 18 feet of water and then it suddenly went to zero and they were doing 9 kn with both engines on in the jib up? Hopefully we will get a further accounting from the skipper of the boat so we can see what he was thinking

May God bless your family. It was a very lucky Outcome And sometimes that's all you need is a little bit of luck. Your guardian angels were watching out for you at night. What if they had landed on the reef at low tide? What if the breakers had been even bigger? What happens if they've had gotten rolled from gunnel to gunnel? What if someone was badly injured during the rapid deceleration of the boat? The questions are endless. So many things went right for this family. They are so lucky people. And by the looks of it they look like a very happy good family.